and steve centanni just told us moments ago that the white house press secretary jay carney refused to comment when asked about this possible agreement. but the obvious question is this: does this reward some people who just took bad risks? joining me now, syndicated radio host neil adbury, awe to to haver con sheenshus equity. -- con seenshus equity. so the banks would foot the bill, not the government. it's not a government bailout, it's the banks hegging -- helping people underwater on mortgages but the question is which people, is it just those in default and are those who worked extra hard to pay their underwater mortgages basically going to be left with no remedy? >> well, megyn, here we go again. you know, it just seems like another government bailout. the government, picking winners and losers. and guess what? it's going to be the american taxpayer. the vast majority of americans as you mentioned before that are living within their means, that's going to pick up the bill on this. look, banks don't give away money for free. it's your interest rates. it's your fees and so forth,